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Loan programs · Arizona

Reverse mortgage loan officers in Arizona

As of 2026-10-09, LenDb lists 100 loan officers licensed in or based in Arizona whose lender pages show Reverse mortgage work. The top-ranked are Gregg Scharin (CrossCountry Mortgage, Scottsdale), Debbie Bishop (Homeowners Financial Group, Scottsdale) and Terry Finnegan (American Pacific Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Gregg ScharinNMLS 120297

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 13 years licensed
  2. 2

    Debbie BishopNMLS 234947

    Homeowners Financial Group · Scottsdale, AZ · licensed in 3 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 25 years experience (stated on lender page, 2026-10-09)
  3. 3

    Terry FinneganNMLS 1268352

    American Pacific Mortgage · Scottsdale, AZ · licensed in 4 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 22 years experience (stated on lender page, 2026-10-09)
  4. 4

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Reverse mortgage
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 25 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Reverse mortgage
    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Dawn Rae PembertonNMLS 162320

    Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states

    • Reverse mortgage
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Michael DubruleNMLS 92043

    American Pacific Mortgage · Yakima, WA · licensed in 4 states

    • Reverse mortgage
    • Construction loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Kyle RidenourNMLS 515944

    Guild Mortgage · Sacramento, CA · licensed in 4 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Jon SchneiderNMLS 224816

    Barrett Financial Group · Chandler, AZ · licensed in 2 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 3 years licensed
  10. 10

    Vickie NguyenNMLS 274982

    Guild Mortgage · San Diego, CA · licensed in 2 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Tom RussellNMLS 489545

    Guild Mortgage · Wilsonville, OR · licensed in 5 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Jake TaylorNMLS 162265

    Barrett Financial Group · Gilbert, AZ

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 24 years experience (stated on lender page, 2026-10-09)
  13. 13

    Joe EdwardsNMLS 205013

    Barrett Financial Group · Gilbert, AZ

    • Reverse mortgage
    • FHA loan
    • HELOC
    • Jumbo loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  14. 14

    Lisa MeclNMLS 234043

    Barrett Financial Group · Gilbert, AZ · licensed in 2 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  15. 15

    Austin Philip BraatenNMLS 1480453

    Guild Mortgage · Roseville, CA · licensed in 2 states

    • Reverse mortgage
    • First-time buyer
    • HELOC
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    John BerglundNMLS 1582158

    Loan Factory · Surprise, AZ · licensed in 3 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 30 years experience (stated on lender page, 2026-10-09)
  17. 17

    Alexandra EstradaNMLS 2055353

    Barrett Financial Group · Chandler, AZ

    • Reverse mortgage
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  18. 18

    Chris LeeNMLS 201715

    Guild Mortgage · San Diego, CA · licensed in 14 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Brandon HansenNMLS 283559

    Guild Mortgage · Toquerville, UT · licensed in 11 states

    • Reverse mortgage
    • Asset-based qualifying
    • Real estate investor
    • Bank statement loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Alina PassarelliNMLS 525407

    CrossCountry Mortgage · Bloomington, MN · licensed in 5 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Pat ClayNMLS 1382057

    Guild Mortgage · Richmond, VA · licensed in 14 states

    • Reverse mortgage
    • VA loan
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Kenny RojasNMLS 1737404

    Guild Mortgage · Clarksville, TN · licensed in 13 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Earl RoseNMLS 212480

    CrossCountry Mortgage · Bloomington, MN · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Kathy BurnsNMLS 288457

    CrossCountry Mortgage · Newport Beach, CA · licensed in 7 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Thomas LakeNMLS 311824

    Guild Mortgage · San Diego, CA · licensed in 15 states

    • Reverse mortgage
    • Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Counseling, financial assessment and heir considerations make reverse mortgages a specialty of their own.

  • Are you a reverse mortgage specialist, and how many have you closed?
  • What are the total costs, including mortgage insurance?
  • What happens to the home for my heirs?

More about Reverse mortgage

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AZ or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=reverse&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.